Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Jul 14, 2021

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In a nutshell...

  • At 21st Century, community service is a concurrent commitment to cost-effective auto insurance coverage
  • Policyholders can enjoy discounts at major retailers through special coupons available only to 21st Century customers
  • As its name implies, 21st Century Auto Insurance primarily provides automobile-related loss protection

As a wholly-owned subsidiary of the Farmers Insurance Group, 21st Century Car Insurance could be aptly categorized as a “boutique” auto insurance company.

Headquartered in Wilmington, Delaware, the 21st Century Insurance Company had a pool of slightly more than 2 million active auto insurance policyholders as of 2010.

At the 21st Century, “low cost” is the operative catchphrase that underlies and serves to characterize insurance operations with the company promoting the slogan “Same great coverage for less” throughout many of its marketing statements.

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21st Century Insurance Company History

Upon 21st Century’s initial inception in 1958, the company was known as “20th Century Insurance.”

AIG acquired the firm in 2005. Subsequently, Farmers Insurance Group bought the company in 2009 and 21st Century is now part of the 3rd largest personal line insurer in America.

At 21st Century, community service is a concurrent commitment to cost-effective auto insurance coverage.

This is demonstrated by its extensive philanthropist involvement in the March of Dimes, Special Olympics, United Way, Salvation Army, and many other worthy causes and charitable organizations.

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Financial Rating

A.M. Best Company is a widely-recognized definitive source of rating insurers’ relative financial strength and creditworthiness.

An A.M. Best “A” credit rating denotes that a firm usually honors credit-based obligations promptly and maintains sufficient resources to meet them as they arise.

While most customer reviews of the 21st Century Car Insurance Company are positive, the company did fall short in the JD Powers and Associates 2010 National Auto Insurance Study, 21st Century Auto Insurance had an average of 3 stars in the Policy Offerings, Billing, and Payment, and Pricing categories.

The insurer merited an average consumer satisfaction rating of 2 stars in Overall Satisfaction and Contacting the Insurer.

Selection of Policy Offerings

As its name implies, 21st Century Auto Insurance primarily provides automobile-related loss protection however the company also offers many other policy types in its total product line.

These policies include:

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21st Century Car Insurance Discounts

There is no explicit reference to specific premium discounts on the 21st Century Auto Insurance website. The insurance carrier does, however, make many peripheral savings available to its customers.

Through the 21st Century Advantage Program, policyholders enjoy 24-hour Travel and Medical Assistance, Identity Theft Restoration, and Roadside Service without additional charge.

Policyholders can also enjoy deep discounts at major retailers through special coupons available only to 21st Century policyholders.

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Is 21st Century Insurance Company right for me?

Many factors influence the decision to choose a particular car insurance company.

From a company’s reputation to the cost of premiums there is no “best car insurance company” for every single driver.

When shopping for car insurance, it’s important to find a car insurance company who can provide you the level of coverage required with affordable rates with a stellar reputation for standing behind policyholders in the event of an accident.

21st Century Car Insurance has an excellent reputation in the marketplace and holds a significant share of auto insurance nationwide which makes the 21st Century Auto Insurance group a worthy candidate.

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